Time is an investor's friend. Investing is a life-long task. Don't be rushed into investing in something you do not understand. Know what you are investing in and how it can make money for you.

I recommend you try a 30 day free trial of Rule Your Retirement. They have model portfolios of mutual funds and ETF's that are built for varying time frames before and during retirement. For the 30 days, you have full access to the resources and discussion boards. If you don't like it, call the 1-888 number for member services(top of the screen) and you get a full refund. You may find that much more useful.